Community Bank System Inc (CBU) — Cash Flow-to-Debt Ratio
Community Bank System Inc (CBU) has a Cash Flow-to-Debt Ratio of 0.01x as of December 2025, meaning its operating cash flow of $84.58 Million could theoretically repay 0% of its total liabilities ($15.41 Billion) in one year. See CBU FCF generation index to measure how efficiently the company converts operating cash flow to free cash.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Community Bank System Inc Cash Flow-to-Debt Ratio (1989–2025)
Historical debt coverage capacity for Community Bank System Inc across 37 annual periods. Also explore Community Bank System Inc (CBU) net asset momentum to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for Community Bank System Inc (1989–2025)
Year-by-year debt coverage analysis for Community Bank System Inc. For market capitalisation and broader financial context, see Community Bank System Inc (CBU) total market value.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.02x | $301.86 Million | $15.41 Billion | ▲ +18.2% |
| 2024 | 0.02x | $242.28 Million | $14.62 Billion | ▲ +0.5% |
| 2023 | 0.02x | $228.42 Million | $13.86 Billion | ▲ +9.7% |
| 2022 | 0.02x | $214.60 Million | $14.28 Billion | ▼ -0.2% |
| 2021 | 0.02x | $202.55 Million | $13.45 Billion | ▼ -0.8% |
| 2020 | 0.02x | $179.48 Million | $11.83 Billion | ▼ -28.4% |
| 2019 | 0.02x | $202.50 Million | $9.56 Billion | ▼ -14.9% |
| 2018 | 0.02x | $221.41 Million | $8.89 Billion | ▲ +19.6% |
| 2017 | 0.02x | $189.67 Million | $9.11 Billion | ▲ +14.5% |
| 2016 | 0.02x | $135.77 Million | $7.47 Billion | ▲ +12.7% |
| 2015 | 0.02x | $119.57 Million | $7.41 Billion | ▼ -14.1% |
| 2014 | 0.02x | $122.10 Million | $6.50 Billion | ▲ +13.2% |
| 2013 | 0.02x | $103.18 Million | $6.22 Billion | ▲ +0.9% |
| 2012 | 0.02x | $108.42 Million | $6.59 Billion | ▼ -0.5% |
| 2011 | 0.02x | $94.38 Million | $5.71 Billion | ▼ -17.7% |
| 2010 | 0.02x | $97.09 Million | $4.84 Billion | ▲ +120.0% |
| 2009 | 0.01x | $44.13 Million | $4.84 Billion | ▼ -25.2% |
| 2008 | 0.01x | $56.50 Million | $4.63 Billion | ▲ +1.7% |
| 2007 | 0.01x | $50.60 Million | $4.22 Billion | ▼ -33.8% |
| 2006 | 0.02x | $73.10 Million | $4.04 Billion | ▼ -7.0% |
| 2005 | 0.02x | $71.97 Million | $3.70 Billion | ▼ -10.8% |
| 2004 | 0.02x | $85.61 Million | $3.92 Billion | ▲ +3.2% |
| 2003 | 0.02x | $73.07 Million | $3.45 Billion | ▲ +13.4% |
| 2002 | 0.02x | $58.08 Million | $3.11 Billion | ▲ +19.8% |
| 2001 | 0.02x | $45.88 Million | $2.94 Billion | ▲ +18.2% |
| 2000 | 0.01x | $31.91 Million | $2.42 Billion | ▼ -42.6% |
| 1999 | 0.02x | $39.10 Million | $1.70 Billion | ▼ -1.5% |
| 1998 | 0.02x | $36.40 Million | $1.56 Billion | ▲ +48.6% |
| 1997 | 0.02x | $23.80 Million | $1.52 Billion | ▲ +14.0% |
| 1996 | 0.01x | $17.00 Million | $1.23 Billion | ▲ +26.0% |
| 1995 | 0.01x | $11.50 Million | $1.05 Billion | ▼ -30.2% |
| 1994 | 0.02x | $13.30 Million | $849.20 Million | ▼ -19.1% |
| 1993 | 0.02x | $12.60 Million | $651.10 Million | ▲ +9.3% |
| 1992 | 0.02x | $10.90 Million | $615.90 Million | ▲ +46.1% |
| 1991 | 0.01x | $7.10 Million | $586.30 Million | ▼ -18.6% |
| 1990 | 0.01x | $8.50 Million | $571.50 Million | ▼ -5.6% |
| 1989 | 0.02x | $8.50 Million | $539.70 Million | — |